В Амстердам, както и в цяла Нидерландия, изборът на правилната автознаховица е от съществено значение за водачите. Когато става въпрос за автознаховица, жителите на Амстердам често се колебаат между трите основни варианта: WA, ограничено каско или пълно каско. В тази статия ще разгледаме предимствата и недостатъците на всеки от тях.
Car Insurance: WA, Limited Hull or All-Risk?As a vehicle owner in the Netherlands, you are required to insure your vehicle. But which coverage do you choose? The basis is the WA insurance, but there are also options such as limited hull and all-risk. In this article, we explain the differences, help you choose and provide practical tips. This way, you can find the insurance that suits your situation without paying unnecessarily much.
What does a WA insurance cover?
The WA insurance (Statutory Liability Insurance) is the mandatory minimum coverage. This insurance covers damage that you cause to others. Think of a collision where you hit another vehicle or cause injury to a cyclist.
What is insured?- Material damage to someone else's car or belongings.
- Personal injury or property damage to third parties.
- Damage to your own car.
- Theft or vandalism.
Limited hull: extra protection for your own car
A limited hull insurance builds on the WA coverage and also protects your own car against specific risks. This is a middle ground for those who want more security without the highest premium.
What is insured?- Theft of your car.
- Fire, storm, hail or lightning strike.
- Windscreen damage (front and rear window).
- Animal collisions (e.g. hitting a deer).
- Sometimes joyriding or parking damage.
- Damage caused by your own fault in a collision (unless hitting an animal or theft).
1. Calculate the daily value of your car via sites like Gaspedaal.nl.
2. Check theft statistics per model via the RDW.
3. Compare premiums on an independent comparison site.
All-risk: full coverage for peace of mind
The all-risk insurance (also known as full hull) offers the broadest coverage. Everything from WA and limited hull, plus damage to your own car caused by your own fault.
What is insured?- All limited hull risks.
- Collisions, even if you are at fault (e.g. driving into a stationary car).
- Damage caused by skidding on a slippery road.
- Wear and tear, own defects or intentional damage.
- Sometimes own risk applies (€150-€500).
How do you choose the right insurance? Practical steps
1. Determine the daily value: Look up your license plate at the RDW or online tools. If it's <€3,000? Choose WA.
2. Assess risks: Do you live in a city? Do you drive a lot on the highway? Do you have a popular theft model? Opt for limited hull or all-risk.
3. Driving behavior and profile: Young (<25 years old)? High premium. Many claim-free years? Discount up to 80%.
4. Calculate and compare: Use independent comparison sites. Enter age, postcode, year of construction and km/year. Pay attention to conditions such as kilometer declaration (honestly submitting prevents claim rejection).
5. Consider extra modules:
- Legal assistance: for legal help after accidents.
- Replacement transport: car during repair.
- No-claim protector: preserve discount after 1 damage.
6. Take out and check policy: Read the terms and conditions. Report changes (new address, other driver) immediately.
Example scenarios:- Old second-hand cars (e.g. 15 years old): WA is sufficient.
- Family car (7 years, many km): Limited hull.
- New SUV (€30,000): All-risk, with own risk €250.
Saving costs and avoiding common mistakes
Saving tips:- Build up claim-free years (from 2 to 80% discount).
- Choose a higher own risk if you drive safely.
- Pay annually instead of monthly.
- Close during low tariffs (around April).
- Underestimating the theft risk (check ANWB statistics).
- Incorrectly stating km/year (fine or claim rejection).
- No occupant insurance (covers injuries in your car).